Please help us become parents

Hello, my name is Brittany and me and my husband have been married for almost 10 years. My husband has very low sperm count and sperm mobility so we are unable to get pregnant naturally. We went to a fertility specialist who said our only hope was ivf and it would be at least 10,000. Our insurance does not cover it and they do not offer payment plans. Please help us. I've seen so many negative pregnancy tests in hopes that it will just happen and it hasn't and it is heartbreaking.